Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agencies. You are requesting that the Bank remove all the delinquencies from your credit bureau report. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate that your due date is the 13th of each month. Please be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $160.86 with a minimum payment of $27.00 due by June 13, 2017. The Bank did not receive your payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On June 17, 2017, a statement was issued showing a balance of $195.19 with a minimum payment of $32.00 due by July 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due. On July 18, 2017, a statement was issued to you showing a balance of $262.03 with a minimum payment of $42.00 due by August 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became three billings past due. On August 18, 2017, a statement was issued to you showing a balance of $305.04 with a minimum payment of $57.00 due by September 13, 2017. The Bank received a payment of $42.00 on August 25, 2017, and a payment of $15.00 on September 1, 2017, which brought the account current. Please be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agencies. Furthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agencies. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W[redacted]
I am rejecting this response because:You call me a customer. I am not nor have I ever been a customer of your bank and neither has my spouse. I suggest you find who the account belongs to because it is not me or my spouse!!!
Regards,
Steven C[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses
The attachments tell the story. I phoned the product provider and cancelled the order verbally (see copy of phone record for date and time). The provider is claiming I did not notify them to cancel. This is the root of the scam. They kept sending product and charging my Comenity card for months after I cancelled via phone call. After I complained, they then stopped charging my card. You can see from the card statements the dates of the charges after I notified them to cancel. If you research the product provider company online, you will find that they have numerous similar complaints. I expect Visa/Comenity to make good my loss as per consumer protection law. The fact that Comenity is telling me I need to have to have a third party investigate is contrary to consumer protection law.If Revdex.com is not able to help me achieve resolution, just say so and I will take this up with consumer protection advocates under law.
Regards,
[redacted]
Good afternoonI paid the late fees, which I did not owe the item was returned, I do not have the item but I had to pay.I got sick of Comentiy call me asking for $111.91 for late charges.Contacting your office was no help at all
Dear [redacted]We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questions. Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress error. You are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, 2014. The address listed on the credit application was [redacted]A purchase of $12.56 was charged to the account on October 21, 2014. The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February 2015 payment due dates. We have norecord that the statements were returned by the post office, and our records confirm thestatements were delivered. As a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 201 5, your address was updated on your Victoria's Secret/ PINK account to [redacted]On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $15.00 payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $1 14.40. Payment of $25.00 was due on April 17, 2015. As payments were notreceived for the April and May 2015 due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, 2015. During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit card. You also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $1 18.71 for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of 306 was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the Bank. Therefore, the statementswere delivered to this address. Enclosed are the billing statements for your records.Please be assured that we have issued credits totaling $1 18.71 to your Victoria's SecretlPlNKaccount for the previously assessed fees. Additionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit file. Please allow them 45 days to update their records.As of today, your account balance is zero and the credit limit of $500.00 has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-1 0 businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was[redacted]. We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaint. If you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpful. Should you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced account. Comenity Bank issues Herberger’s credit card
accounts, and we are here to assist you with any account-related questions. Your...
complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
Our understanding, as you stated in the
Revdex.com complaint, you were enrolled in the Account Assure
program without your approval and charged $9.92. Furthermore, you are requesting to have the
Account Assure program cancelled and your Herberger’s account credited back for
the charge.
Comenity Bank understands your concerns in
the complaint and would like to take this moment to explain our findings.
After researching our records, we had
reviewed your application processed at the Herberger’s store in St. Cloud,
MN. During our review, we had found the
store associate enrolled you in the Account Assure program on November 26, 2015. Due to this, the enrollment charges started
when your first purchase was made. Once
the billing statement generated on December 15, 2015, with a balance; there was
a $9.92 premium fee assessed to the account
for Account Assure.
Please be assured that Comenity Bank has
contacted Account Assure, on your behalf, cancelling the program as of December
18, 2015. In addition, we had credited
the $9.92 premium fee on December 21, 2015, bringing your account to a credit
balance.
As of the date of this letter, we have issued
a refund check for the $9.92 credit balance and you should receive it within 14
days
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be
happy to assist you.
Sincerely, ...⇄
Jack C[redacted]
Consumer Relations Specialist
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. I understand your concerns regarding the $25.00 returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, Bank records indicate that a payment of $34.18 was scheduled online on September 23, 2016. The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be located. As a result, the $34.18 payment was added back to the balance, and a returned check fee of $25.00 was applied to the account. Please note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety days. Once the Bank receives three months of on-time payments, the restrictive status is removed. Although there were no Bank errors, in the interest of customer service, the $25.00 returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zero. In addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closed. We hope you found this information to be helpful. Should you have any further questions, please c ontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]
Dear [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for providing the proof of payment for the in-store payment made on September 30, 2015. We apologize for any frustration or inconvenience you have experienced.Please be assured that we issued a credit for $60.00 to your account. You will see this credit on your next billing statement that will be sent to you on November 21, 2015.Again, we apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Thank you for contacting the RevDex.com regarding the above-noted account. Comenity Bank issues your CREDO Visa account, and we respond to all
account-related concerns. Your
correspondence was forwarded to my attention, and I appreciate the opportunity
to assist you. We...
understand from your complaint that you
made a return to your account and you are requesting that the shipping and
handling be credited to your account.Our records indicate that we recently
received a dispute for this matter. Please be assured that on November 20, 2015, Comenity Bank issued a
credit to your account in the amount of $7.95 for the shipping and handling
that was not credited to your account by the merchant. This credit will appear on your next billing
statement.We apologize for any frustration or
inconvenience that you may have experienced regarding this matter. Should you have any further questions or
concerns, please contact me at ###-###-####, ext. 7293165 (TDD/TTY
###-###-####). I would be happy to
assist you. Sincerely, Justina
M[redacted]Consumer
Relations Specialist
The attachments will be sent with this correspondence via mail. February 24, 2017 [redacted]
[redacted]
[redacted]
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[redacted] [redacted]
[redacted] Dear...
[redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Carson’s credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were charged twice for $81.18 for the 6 packages of curtains on January 13, 2017. You state you were advised by [redacted]’s to contact the Bank, however there is no number to contact the Bank. Therefore, you sent a web message but you have not received a response. I am happy to share my findings. Please note that Carson’s and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Carson’s is responsible for handling matters related to sales, merchandise processing, returns and shipping. You can locate the Bank’s Customer Care telephone number [redacted] on the billing statement and on the back of your [redacted]’s credit card. Bank records indicate that there were two charges of $81.18 on January 13, 2017. On your behalf we contacted [redacted]’s regarding this matter. We were advised that you placed two separate online orders. They were placed at different times and shipped to different people. They confirmed both shipments were delivered. An eCommerce manager attempted to contact you on February 22, 2017, to explain this matter, a voicemail was left. I have enclosed a copy of the receipts, orders and proof of deliveries. If you have any questions regarding this please contact [redacted]’s directly at ###-###-####. The balance indicated on you statement is valid, and no credit is due on the account at this time. We have no record of a web message on the Account Center website. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. �...⇄ Sincerely, [redacted]
[redacted]
[redacted]
during the time period they claim I was overdue, their own employees told me I didn't owe any payment. That may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistake. Either they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuit. I am VERY confident that I am correct and I will take this as far as I need to.[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Pier 1 Imports® credit card accounts, and we respond to account-relatedquestions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your concerns as noted in the correspondence that you were offeredcoupons when you opened your Pier 1 Imports® account, and that you havecontacted the Bank as well as Pier 1 Imports directly for assistance with thismatter. We apologize for the inconvenience and frustration you may have experienced due to this situation.Please be assured that your welcome kit includes a coupon for 20% off your nextpurchase. In addition, a courtesy coupon was requested on June 27, 2015.Also, you can earn a reward certificate, for receiving 1 point for every dollar spenton your Pier 1 Imports® credit card account. For every $200.00 spent earns you a $10.00 reward certificate. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feelfree to contact me at [redacted], ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Comenity Bank issues Dress Barn credit cards. Please note Comenity Bank and Dress...
Barn are two separate entities. The Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card account. Dress Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. After a review of our records, we were unable to locate a Dress Barn account or an email address using the information you provided. In your correspondence, you indicated that you had email confirmations saved. Please provide us copies of the emails. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. In addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no association. We encourage you to contact [redacted] directly to resolve any concerns you may have. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
Dear STEVENSKEES,Thank you for contacting Comenity Bank . As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/2016 requesting that we investigate information reported onyour credit file.To address concern,we have...
updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. Iffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### ). We will be happy to help you.Sincerely,Customer Careteam
Dear [redacted]: We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion. Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agencies. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely, Tionna M[redacted] [redacted]
Dear [redacted]
We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts. Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft,...
Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions. I appreciatethe opportunity to address your concerns. We understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened. Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously. The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns. Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you. We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identity. Please note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts. Please allow the creditreporting agencies 45 days to update their records. On behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you. Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful. Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card accounts. We are here to answeryour questions and assist with your concerns.In your correspondence you state you paid your account off and closed it, and now...
you arereceiving phone calls stating your account is past due. You were advised no fees could be waivedsince they account is closed. You asked that your account be reopened so the fees could bewaived, and this request was declined.. You are again requesting the fees waived.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 18th of the month. Bank records indicate a statement was issuedon July 23, 2017, indicating a balance of $54.74 with a minimum payment of $25.00 due by August18, 2017. A payment of $54.74 was received on August 19, 2017. Since the payment wasreceived after the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fees are valid andwe are unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted] We received your complaint, submitted to the Revdex.com. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the...
opportunity to assist you. Your complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card account. You have stated that the Bank is to never call your cell phone again or leave a voice mail. Please be assured that Comenity Bank complies with all local, state, and federal laws. After researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your name. In order for the Bank to comply with your request, we need additional information. Please provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.com. We apologize for any inconvenience this matter has caused you, and we hope this information is helpful. Should you have any further questions, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence regarding the...
above-referenced account. Comenity Bank issues the Victoria’s Secret Angel credit card. We are here to answer your questions and assist with your concerns. Your correspondence states that your account is caught up on payments and that you were never notified or read your mini Miranda rights before the Bank reported your account delinquent to the national credit reporting agencies. You are requesting that the Bank remove all the delinquencies from your credit bureau report. We understand your concerns and apologize for any inconvenience or frustration this matter may have caused you. Please keep in mind that when payments are not received, are received after the due date, or are made for less than the minimum required, the account will be assessed a late fee, as explained in the Credit Card Agreement. Bank records indicate that your due date is the 13th of each month. Please be advised that on May 18, 2017, the Bank issued a statement to you showing a balance of $160.86 with a minimum payment of $27.00 due by June 13, 2017. The Bank did not receive your payment and as a result, a late fee was assessed to your account. Your account became one billing period past due. On June 17, 2017, a statement was issued showing a balance of $195.19 with a minimum payment of $32.00 due by July 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became two billing periods past due. On July 18, 2017, a statement was issued to you showing a balance of $262.03 with a minimum payment of $42.00 due by August 13, 2017. The Bank did not receive a payment and as a result, a late fee was assessed to your account. Your account became three billings past due. On August 18, 2017, a statement was issued to you showing a balance of $305.04 with a minimum payment of $57.00 due by September 13, 2017. The Bank received a payment of $42.00 on August 25, 2017, and a payment of $15.00 on September 1, 2017, which brought the account current. Please be advised that any time an account falls two or more billing periods past due, the Bank will report the account as delinquent to the national credit reporting agencies. Furthermore, the Bank is only willing to remove or change information that our company incorrectly furnished to the credit reporting agencies. We have verified we are reporting the account correctly to the credit reporting agencies. We are required by law to report factual information. Therefore, this information will not be changed or removed from your credit bureau report. I hope you found this information to be helpful. If you have any further questions or concerns, please feel free to contact me at [redacted] Sincerely, Jenny W[redacted]
I am rejecting this response because:You call me a customer. I am not nor have I ever been a customer of your bank and neither has my spouse. I suggest you find who the account belongs to because it is not me or my spouse!!!
Regards,
Steven C[redacted]
Dear [redacted]: Comenity Bank (Bank) has received your correspondence regarding the above-referenced account. Comenity Bank issues the Williams Sonoma [redacted] credit card. We are here to answer your questions and assist with your concerns. We understand from your...
correspondence, submitted to the Revdex.com, that you have tried several times to access the Bank’s Account Center and it does not recognize your information. You have contacted the Bank with no success. You state that the payment is due June 17, 2017, and you request the account not be assessed any interest. We have reviewed the concerns in your correspondence. We apologize if you felt you did not receive the best customer service. We never intend to treat our customers in a less-than-satisfactory manner. We are committed to providing the best customer service and are disappointed when a customer feels this standard was not met. After a thorough review of the account, our records indicate that a payment of $563.96 was received on June 6, 2017. Please be advised that as of the date of this letter, the account balance is zero and no additional interest charges have been applied to the account. In regard to signing onto the Account Center, please feel free to contact me at the number below for assistance. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Renee S[redacted] Compliance Dept. – Consumer Responses
The attachments tell the story. I phoned the product provider and cancelled the order verbally (see copy of phone record for date and time). The provider is claiming I did not notify them to cancel. This is the root of the scam. They kept sending product and charging my Comenity card for months after I cancelled via phone call. After I complained, they then stopped charging my card. You can see from the card statements the dates of the charges after I notified them to cancel. If you research the product provider company online, you will find that they have numerous similar complaints. I expect Visa/Comenity to make good my loss as per consumer protection law. The fact that Comenity is telling me I need to have to have a third party investigate is contrary to consumer protection law.If Revdex.com is not able to help me achieve resolution, just say so and I will take this up with consumer protection advocates under law.
Regards,
[redacted]
Good afternoonI paid the late fees, which I did not owe the item was returned, I do not have the item but I had to pay.I got sick of Comentiy call me asking for $111.91 for late charges.Contacting your office was no help at all
Dear [redacted]We received your complaint, submitted to the Revdex.com (Revdex.com), regarding theabove-noted account. Comenity Bank issues Victoria's SecreffPlNK credit cards, and we arehere to answer account-related questions. Your complaint was forwarded to my attention forreview, and I...
appreciate the opportunity to assist you.We understand from your complaint that after signing up for the Victoria's SecreffPink creditcard account, you never received your credit card or monthly statements as a result of anaddress error. You are asking the Bank to remove the fees assessed to your account and toremove the negative reporting, which is affecting your credit file; you also ask that the Bank stopcalling you regarding this matter.Bank records indicate that your Victoria's SecretlPlNK credit card account was opened onOctober 21, 2014. The address listed on the credit application was [redacted]A purchase of $12.56 was charged to the account on October 21, 2014. The billing statementswere mailed to the address noted above; however, payment was not received for the November2014, December 2014, January 2015, or February 2015 payment due dates. We have norecord that the statements were returned by the post office, and our records confirm thestatements were delivered. As a result of non-payment, the account was assessed late feesand finance charges, which is compliant with the Bank's Credit Card Agreement (CCA).On March 11, 201 5, your address was updated on your Victoria's Secret/ PINK account to [redacted]On March 18, 2015, you made a payment by phone with the Bank, in the amount of $32.56, and you were charged a $15.00 payment by phone fee.As the payment was past the payment due date of March 17, 2015, the account was assessedanother late fee and finance charge.The next billing statement was mailed to the address noted above on March 22, 2015, reflectinga balance of $1 14.40. Payment of $25.00 was due on April 17, 2015. As payments were notreceived for the April and May 2015 due dates, the account was assessed late fees and financecharges.You spoke to the Bank's Customer Care team on May 8, 2015. During this conversation, youadvised that you had only received three statements during the course of the account beingopened and you had not received the credit card. You also indicated that the address wasincorrect and verified that when you opened the account your address was [redacted] During this call, as courtesy, the Bank's representative issued credits totaling$55.74, leaving a balance of $1 18.71 for the remainder of the bank fees and payment by phonefee.In reviewing the credit application, we found that the house number of 306 was provided;however, the current ID or reference card you used had the previous address listed, this is whatwas entered on the application and what was submitted to the Bank. Therefore, the statementswere delivered to this address. Enclosed are the billing statements for your records.Please be assured that we have issued credits totaling $1 18.71 to your Victoria's SecretlPlNKaccount for the previously assessed fees. Additionally, we sent notification to the nationalcredit-reporting agencies with instructions to delete the negative payment history reported toyour credit file. Please allow them 45 days to update their records.As of today, your account balance is zero and the credit limit of $500.00 has been reinstated.Also, I have issued a replacement credit card to you, which you should receive in 7-1 0 businessdays.In addition, the address listed on your account when you submitted your Revdex.com complaint was[redacted]. We have updated your Victoria's Secret/PINKaccount to reflect the address that is listed on your Revdex.com complaint. If you should ever need toupdate your address or any account information, we encourage you to call the Bank's CustomerCare team, toll free, at ###-###-####.You are a valued customer and we hope this information is helpful. Should you have anyfurther questions or concerns, please do not hesitate to contact me at I .###-###-####, ext.[redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear
Mr. [redacted]:
We have received your complaint, addressed to
the Revdex.com, regarding the above-referenced account. Comenity Bank issues Herberger’s credit card
accounts, and we are here to assist you with any account-related questions. Your...
complaint was forwarded to my attention,
and I appreciate the opportunity to respond to your concerns.
Our understanding, as you stated in the
Revdex.com complaint, you were enrolled in the Account Assure
program without your approval and charged $9.92. Furthermore, you are requesting to have the
Account Assure program cancelled and your Herberger’s account credited back for
the charge.
Comenity Bank understands your concerns in
the complaint and would like to take this moment to explain our findings.
After researching our records, we had
reviewed your application processed at the Herberger’s store in St. Cloud,
MN. During our review, we had found the
store associate enrolled you in the Account Assure program on November 26, 2015. Due to this, the enrollment charges started
when your first purchase was made. Once
the billing statement generated on December 15, 2015, with a balance; there was
a $9.92 premium fee assessed to the account
for Account Assure.
Please be assured that Comenity Bank has
contacted Account Assure, on your behalf, cancelling the program as of December
18, 2015. In addition, we had credited
the $9.92 premium fee on December 21, 2015, bringing your account to a credit
balance.
As of the date of this letter, we have issued
a refund check for the $9.92 credit balance and you should receive it within 14
days
We hope you find this information helpful,
and we sincerely apologize for any confusion or inconvenience this matter has
caused you. If you have any further
questions about your account, please contact me at (800) 675-5685, ext. [redacted] (TDD/TTY (800) 695-1788). I will be
happy to assist you.
Sincerely, ...⇄
Jack C[redacted]
Consumer Relations Specialist
CC: Revdex.com
We received your complaint, addressed to the Revdex.com, regarding your VICTORIA’S SECRET credit card account. Comenity Bank issues VICTORIA’S SECRET credit card accounts, and we respond to all account-related questions. Your complaint was forwarded to my attention, and I...
appreciate the opportunity to assist you. I understand your concerns regarding the $25.00 returned check fee assessed to your VICTORIA’S SECRET account, and sincerely apologize for any frustration or inconvenience this matter may have caused you. After a thorough investigation, Bank records indicate that a payment of $34.18 was scheduled online on September 23, 2016. The Bank processed this payment from your personal bank account as scheduled; however, on September 30, 2016, the payment was returned, as your personal bank account information entered was invalid and/or unable to be located. As a result, the $34.18 payment was added back to the balance, and a returned check fee of $25.00 was applied to the account. Please note, when a payment is returned on a new account, the Bank will place a restrictive status on the account for a period of ninety days. Once the Bank receives three months of on-time payments, the restrictive status is removed. Although there were no Bank errors, in the interest of customer service, the $25.00 returned payment fee was credited to the account on October 1, 2016, and we received an additional payment of $34.18, which brought the account balance to zero. In addition, as requested, on October 1, 2016, your VICTORIA’S SECRET account was closed. We hope you found this information to be helpful. Should you have any further questions, please c ontact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely, Shawnda Y[redacted]
Dear [redacted]We received your additional complaint, submitted to the Revdex.com, regarding the above-referenced account. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention, and I appreciate the opportunity to assist you.Thank you for providing the proof of payment for the in-store payment made on September 30, 2015. We apologize for any frustration or inconvenience you have experienced.Please be assured that we issued a credit for $60.00 to your account. You will see this credit on your next billing statement that will be sent to you on November 21, 2015.Again, we apologize for any frustration or inconvenience you have experienced, and we hope this information is helpful. If you have further questions or concerns, please contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,Shawnda Y[redacted]
Thank you for contacting the RevDex.com regarding the above-noted account. Comenity Bank issues your CREDO Visa account, and we respond to all
account-related concerns. Your
correspondence was forwarded to my attention, and I appreciate the opportunity
to assist you. We...
understand from your complaint that you
made a return to your account and you are requesting that the shipping and
handling be credited to your account.Our records indicate that we recently
received a dispute for this matter. Please be assured that on November 20, 2015, Comenity Bank issued a
credit to your account in the amount of $7.95 for the shipping and handling
that was not credited to your account by the merchant. This credit will appear on your next billing
statement.We apologize for any frustration or
inconvenience that you may have experienced regarding this matter. Should you have any further questions or
concerns, please contact me at ###-###-####, ext. 7293165 (TDD/TTY
###-###-####). I would be happy to
assist you. Sincerely, Justina
M[redacted]Consumer
Relations Specialist
I am rejecting this response because:
Regards, [redacted]
The attachments will be sent with this correspondence via mail. February 24, 2017 [redacted]
[redacted]
[redacted]
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[redacted] [redacted]
[redacted] Dear...
[redacted]: Comenity Bank has received your correspondence regarding the above-referenced account. Comenity Bank issues the Carson’s credit card. We are here to answer your questions and assist with your concerns. We understand from your complaint that you were charged twice for $81.18 for the 6 packages of curtains on January 13, 2017. You state you were advised by [redacted]’s to contact the Bank, however there is no number to contact the Bank. Therefore, you sent a web message but you have not received a response. I am happy to share my findings. Please note that Carson’s and Comenity Bank are two separate entities. The Bank issues and is responsible for addressing questions related to your credit card account. Carson’s is responsible for handling matters related to sales, merchandise processing, returns and shipping. You can locate the Bank’s Customer Care telephone number [redacted] on the billing statement and on the back of your [redacted]’s credit card. Bank records indicate that there were two charges of $81.18 on January 13, 2017. On your behalf we contacted [redacted]’s regarding this matter. We were advised that you placed two separate online orders. They were placed at different times and shipped to different people. They confirmed both shipments were delivered. An eCommerce manager attempted to contact you on February 22, 2017, to explain this matter, a voicemail was left. I have enclosed a copy of the receipts, orders and proof of deliveries. If you have any questions regarding this please contact [redacted]’s directly at ###-###-####. The balance indicated on you statement is valid, and no credit is due on the account at this time. We have no record of a web message on the Account Center website. I hope you have found this information to be helpful. If you have any questions or concerns, please feel free to contact me at ###-###-####. �...⇄ Sincerely, [redacted]
[redacted]
[redacted]
[redacted] [redacted]
during the time period they claim I was overdue, their own employees told me I didn't owe any payment. That may have been a mistake on their end but that is not my problem and they cannot hold me accountable for their mistake. Either they update my credit report as a result of this Revdex.com complaint or next I will file a lawsuit. I am VERY confident that I am correct and I will take this as far as I need to.[redacted]
Dear [redacted]We received your complaint, addressed to the Revdex.com, regarding theaccount referenced above. Comenity Bank issues Pier 1 Imports® credit card accounts, and we respond to account-relatedquestions. Your correspondence was forwarded to...
my attention, and I appreciate the opportunity to respond to yourconcerns.We understand your concerns as noted in the correspondence that you were offeredcoupons when you opened your Pier 1 Imports® account, and that you havecontacted the Bank as well as Pier 1 Imports directly for assistance with thismatter. We apologize for the inconvenience and frustration you may have experienced due to this situation.Please be assured that your welcome kit includes a coupon for 20% off your nextpurchase. In addition, a courtesy coupon was requested on June 27, 2015.Also, you can earn a reward certificate, for receiving 1 point for every dollar spenton your Pier 1 Imports® credit card account. For every $200.00 spent earns you a $10.00 reward certificate. We hope this information is helpful. Should you have any other questions or concerns regarding this account, please feelfree to contact me at [redacted], ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Dear [redacted] Comenity Bank (Bank) has received your correspondence. We are here to answer your questions and assist with your concerns. We would like to assist you in resolving this matter. Comenity Bank issues Dress Barn credit cards. Please note Comenity Bank and Dress...
Barn are two separate entities. The Bank issues, and is responsible for addressing questions related to, the Dress Barn credit card account. Dress Barn is responsible for handling matters related to sales, merchandise processing, returns and shipping. After a review of our records, we were unable to locate a Dress Barn account or an email address using the information you provided. In your correspondence, you indicated that you had email confirmations saved. Please provide us copies of the emails. Once this information has been received, we will be able to further investigate. Please send this information to my attention at the address shown above. In addition, you have asked that you receive no more emails from [redacted] Please be advised that Comenity Bank and [redacted] have no association. We encourage you to contact [redacted] directly to resolve any concerns you may have. If you have any questions or concerns, please feel free to contact me at ###-###-####. Sincerely, Shawnda Y[redacted]
Dear STEVENSKEES,Thank you for contacting Comenity Bank . As the bank that issues your Meijer MasterCard® account,we'rehere to help with your questions.We are in receipt of your letter dated 12/06/2016 requesting that we investigate information reported onyour credit file.To address concern,we have...
updated our records and notified thereporting agencies of the changes that need to be made your credit report.This change shouldreflected on your credit file within the next 45 calendar days.We value you as a customer and apologize for any inconvenience this may have caused. Iffurther questions about your account,please contact us at ###-###-####(TDD/TTY: ###-###-#### ). We will be happy to help you.Sincerely,Customer Careteam
Dear [redacted]: We received the additional inquiry that you sent to the Revdex.com (Revdex.com), regarding the above-noted account. Comenity Bank issues Ann Taylor/LOFT credit card accounts, and we are here to help answer account-related questions. Your inquiry was forwarded to my attention, and I appreciate the opportunity to address your concerns. We understand from your inquiry you would like confirmation that Comenity Bank received the documentation sent by your credit union and your account is reported as current with no delinquencies with Equifax, Experian, and TransUnion. Bank records indicate as of the date of this correspondence, the bank has not received the documentation from your credit union and your account is reported as current with no delinquencies with the credit-reporting agencies. We hope this information is helpful. Should you have any further questions or concerns regarding this letter, please contact me directly at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####); I will be happy to assist you. Sincerely, Tionna M[redacted] [redacted]
Dear [redacted]
We received your complaint, submitted to theRevdex.com, regarding the above-referenced accounts. Comenity Bank issues Express, Venus, JCrew,The Buckle, New York & Company, Roaman's®, BrylaneHome®, Woman Within® , fullbeauty, Ann Taylor/Loft,...
Marathon andVictoria’s Secret/PINK credit card accounts, and we respond to allaccount-related questions. I appreciatethe opportunity to address your concerns. We understand from your complaint that uponbeing approved, the above-referenced accounts were closed; as such you wereasked to provide documentation to have the accounts re-opened. Additionally, you state that the accountsbeing reported as closed is affecting your credit report tremendously. The Bank actively monitors a consumer’s account(s), as well as, creditapplications submitted, for potential security concerns. Due to the potential security concerns with the above referencedaccounts; your accounts were suspended until further verification could beobtained from you. We appreciate the time you have spent providing the Bank with the requesteddocuments to verify your identity. Please note that on July 2, 2015, after speaking with an Account Controlspecialist, the Bank was able to verify your identity, as such all of theaccounts have been re-opened.Please be assured notification was sent tothe national credit-reporting agencies advising them of the updates made to theaccounts. Please allow the creditreporting agencies 45 days to update their records. On behalf of the Bank, I would like to extenda sincere apology for any inconvenience or frustration this situation hascaused you. Comenity Bank is committedto providing the best customer service possible, and we are disappointed when acustomer feels that this standard was not met.Please be assured, all applicable phoneconversations outlined in your complaint have been reviewed by our managementteam, and their recommendations regarding an appropriate resolution will be followed.I hope you find this information to behelpful. Should you have any furtherquestions, please contact medirectly at ###-###-#### (TDD/TTY (###-###-####). I will be happy to assist you.Sincerely,[redacted]Consumer Relations Specialist
Comenity Bank (Bank) has received your correspondence regarding the above-referencedaccount. Comenity Bank issues the Boston Store credit card accounts. We are here to answeryour questions and assist with your concerns.In your correspondence you state you paid your account off and closed it, and now...
you arereceiving phone calls stating your account is past due. You were advised no fees could be waivedsince they account is closed. You asked that your account be reopened so the fees could bewaived, and this request was declined.. You are again requesting the fees waived.We have reviewed the concerns in your correspondence and would like to share our findings. Thedue date on your account is the 18th of the month. Bank records indicate a statement was issuedon July 23, 2017, indicating a balance of $54.74 with a minimum payment of $25.00 due by August18, 2017. A payment of $54.74 was received on August 19, 2017. Since the payment wasreceived after the due date, a late fee was assessed to the account.Please keep in mind that when payments are not received, are received after the due date, or aremade for less than the minimum required, the account will be assessed a late fee, as explainedin the Credit Card Agreement. Because this requirement was not met, the late fees are valid andwe are unwilling to credit any additional late fees at this time.I hope you have found this information to be helpful. If you have any questions or concerns, pleasefeel free to contact me at ###-###-####.Sincerely,Alyson F[redacted]Compliance Dept. – Consumer Responses
Dear [redacted] We received your complaint, submitted to the Revdex.com. Comenity Bank issues Victoria’s Secret/PINK credit cards, and we are here to help answer account-related questions. Your complaint was forwarded to my attention for review, and I appreciate the...
opportunity to assist you. Your complaint states that Comenity Bank calls you weekly on your cell phone and leaves threatening voice mails, which indicate that you will go to jail if payment is not made using your debit card for the balance on the Victoria’s Secret/PINK credit card account. You have stated that the Bank is to never call your cell phone again or leave a voice mail. Please be assured that Comenity Bank complies with all local, state, and federal laws. After researching our records, using the information you provided, we were unable to locate a Victoria’s Secret/PINK credit card account in your name. In order for the Bank to comply with your request, we need additional information. Please provide is with the following: • Full name as listed on the account • Complete address as listed on the account • The telephone number as listed on the account • Social Security number This information can be provided by calling me directly at the number listed below, by mailing to the address listed above, or by writing back to the Revdex.com. We apologize for any inconvenience this matter has caused you, and we hope this information is helpful. Should you have any further questions, please do not hesitate to contact me at ###-###-####, ext. [redacted] (TDD/TTY ###-###-####). I will be happy to assist you. Sincerely,
[redacted] Consumer Relations Specialist